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Timing of Credit Bureau report updates and rescoring calculations

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practical1
Regular Contributor

Timing of Credit Bureau report updates and rescoring calculations

If anyone has a bit of insight, it would be appreciated:

 

I've had an intractable ding on all three bureaus for a long time-- a very old medical collection (which should never have been initiated and from a collections agency who also never bothered to even try to contact me).

 

Last week, this item dropped-off my Experian file, resulting in a 61 point increase in FICO 8 score and 70 points on Vantage 3.

 

This week, it apparently also dropped from Equifax, with similar gains on my scores.

 

TransUnion seems to be the only hold-out.  Would anyone know what their update cycle looks like and when might I resonably expect a similar change in their scores?

 

Thanks.

Message 1 of 3
2 REPLIES 2
FireMedic1
Community Leader
Mega Contributor

Re: Timing of Credit Bureau report updates and rescoring calculations

TU is known to lag. Let sleeping dogs lie and dont rock the boat and dispute it. Congrats!


Message 2 of 3
practical1
Regular Contributor

Re: Timing of Credit Bureau report updates and rescoring calculations


@FireMedic1 wrote:

TU is known to lag. Let sleeping dogs lie and dont rock the boat and dispute it. Congrats!


Thank you!  Sound advice.

Message 3 of 3
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